Post on 03-Jul-2020
transcript
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Bill Discounting
Auto Finance
IPO
Invest ment Banking
Mutual Fund
Life Insurance
KS
BANK
Alternate Assets
ARC
Anchor Investment in ACE
1985 1990 1992 1995 1998 2000 2001 2003 2004 2008 2010 2012 2014
614th Branch & Celebrating
29th Year of success
In October 2005, Kotak Group acquired the 40% stake in Kotak Prime held by Ford Credit International (FCI) and FCI acquired the stake in Ford Credit Kotak Mahindra (FCKM) held by Kotak Group.
In May 2006, Kotak Group bought 25% stake held by Goldman Sachs in Kotak Mahindra Capital Company and Kotak Securities
TH E J OURNEY SO FAR
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TH E KOTAK G ROUP STRUC TURE
Kotak Mahindra Capital Company
• Investment Banking
Kotak Securities
• Stock Broking • E Broking • Distribution
Kotak Mahindra Investments
• Investment • Lending
Kotak Mahindra Prime
• Car Finance • Other Lending
Kotak Mahindra AMC
• Mutual Fund
Kotak Mahindra Pension Fund
• National Pension Funds
Kotak Mahindra Trustee Company
• Trustee Company
Kotak Mahindra Old Mutual Life
Insurance*
• Life Insurance
Kotak Mahindra Financial Services
Ltd.
• Advisory Services for Middle East
Kotak Investment Advisors
• Alternate assets
Kotak Mahindra International
• Advisory Services
• Investments
Kotak Mahindra UK
• Asset Management
• Broking
Kotak Mahindra Inc
• Broker / Dealer
Kotak Mahindra Trustee Services
• Trustee Company
Kotak Forex Brokerage
• Forex Brokerage
Kotak Mahindra Asset Management
(Singapore)
• Asset Management
Note: All companies are fully owned subsidiaries except K< Old Mutual Life insurance in which KMBL owns 74%
Commercial Bank & Holding Company
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G EOG RAP H ICAL P RESENCE OF KOTAK G ROUP
…with Multiple Points of Presence
Business Sept 30, 2014
Banking 641
Car Finance 74
Life Insurance 210
Securities 1,164
Mutual Fund 79
Total 2,168
Wid
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International office situated at Abu Dhabi, Dubai, London, Mauritius, New York, Singapore
All figures are as of September 30, 2014
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TH E BOUQUET OF BENEFITS
Earn interest up to 6% p.a. on
your Savings Account balance
Specially for you
Preferential features & discounted charges on your Savings Account. Refer to the Privy League Insignia general schedule of charges
Earn Higher on Savings account balances
Earn 5% p.a. for balances up to 1 lac and 6% p.a. on balances beyond 1 lac in your savings account
Your security, our priority
Get up to 75% discount on locker rentals
Reducing hassles
Free at-par cheque books
SMS us at KPRIVY & we will handle your transactions
Choose from a range of products
Including business banking solutions & Loans
The Bank comes home to you
Free home banking transactions
The ultimate lifestyle complement
Privy League Visa Signature Debit Card that’s packed with lifestyle benefits
Save with
Term deposits , recurring deposits & SIPs
Rest assured
Zero maintenance charges on your Demat & Savings account
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PRIV Y LEAG UE S IG NATURE D EBIT CARD
Special Offers and Discounts at Merchant Outlets – great deals at exclusive outlets in categories such as Lifestyle, Fine dining, Travel, Health and Fitness
Complimentary insurance benefits on your card: Air accident insurance cover
of INR 10,000,000 Lost card liability insurance
of INR 400,000 Lost baggage insurance of
INR 100,000 Purchase protection of INR
150,000
Accepted worldwide, this unique card comes with a flexible usage limit
Default cash withdrawal and purchase limit of INR 3,00,000 & INR 4,50,000 respectively per day
No fuel surcharge at any fuel station in India
Visa Concierge Services – to help you with booking flights, car rentals, hotels and much more
2 Quarterly complimentary access to VISA affiliated airport lounges
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P RIV Y LEAG UE S IG NATURE CRED IT CARD
Complimentary Priority Pass membership worth USD 99. With this Priority Pass Membership, you get VIP access* to over 600 airport lounges spread across 100 countries.
Complimentary PVR tickets in every quarter
Reward Points: You now have the power to choose your Reward Plan (Shopping/Travel), which has been specially designed to suit your lifestyle. You can earn up to 10x reward points as per the reward plan
Higher Credit Limits
Low interest rate :You will enjoy a low monthly interest rate of 2.49%.
Fuel Surcharge Waiver: Save 2.5% fuel surcharge across all petrol pumps in India
Kotak PVR offer – Buy 1 get 1 free on Saturdays
VISA Signature offers:
– Block buster weekends. Buy 1 ticket & get 1 ticket free on www.bookmyshow.com
– Visa Airport lounge access
For more information on VISA offers, please refer to the link: VISA Signature Credit Card Offers
* This credit card is priced at an annual fee of Rs.5000/- which is waived off for insignia customers in the 1st year. The above card benefits are not applicable from 2nd year
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P OWER OF KP RIV Y
Features
Facilitates investment in Mutual funds, SIP, IPO, Term deposits, recurring deposits etc. along with other financial and non financial transactions
Benefits
Customer convenience to transact over telephone by sending an SMS to KPRIVY* 5676788
*Applicable basis registered mobile number available with kotak bank.
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KOTAK CAR LOANS
KMPL* has tie ups with almost all car manufacturers / dealers in India including Toyota, Honda, Maruti Suzuki, Tata Motors, Hyundai, Volkswagen group, GM, Mahindra Renault
Wide Geographical coverage Servicing customers across:
74 locations
15 States
Attractive interest rates
Flexible schemes
Speedy loan processing
* Offered by Kotak Mahindra Prime Ltd, a kotak group company.
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H OME LOANS
Kotak Smart Home
Exclusive product for Privy League Insignia Customers
Disbursed in the form of Overdraft (up to 30% of Loan amount) and Term Loan (at least 70% of Loan amount)
Why this product over an ordinary home loan?
Utilizes the excess funds in your savings account, to save interest on your Home Loan.
Competitive Rates
Full Waiver of Non-utilization Charges on OD and Foreclosure Charges on HL
Certificate of Interest and Principal paid on Loan under Section 24(b) of the Income Tax Act will contain the Interest paid in the Home Loan Account as well as Smart Home Account (OD)
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G ENERAL INSURANCE P ROD UC TS
We protect your valuable assets & your health from various uncertainties
Car Insurance + Add ons Mediprime Home Insurance
*Insurance products in this slide and the next slide are tie-ups
G ENERAL INSURANCE
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L IFE INSURANCE
Fund Name 1 yr 3 yr 5 yr Since Inception
Money Market 8.7% 8.9% NA 7.7%
Dynamic Gilt Fund 11.2% 8.0% 7.4% 6.7%
Dynamic Bond Fund 11.7% 8.6% 8.3% 8.2%
Dynamic Floating 11.0% 9.7% 8.1% 7.5%
Balanced Fund 31.2% 13.0% NA 9.8%
Frontline Equity 47.1% 16.8% NA 10.9%
Classic Opportunities 51.4% 17.4% NA 12.6%
Fund Facts :
Entry Age : 0 – 65 yrs Maturity Age : 0 – 65 yrs
Tenure : 10 – 30 yrs Premium Mode : Annual/Qtly/Half Yearly/Monthly
For a healthy 30 year old male, an investment of Rs 50,000 per month for a period of 15 years, will yield Rs 1,46,56,650, assuming that the fund grows by 8% every year
Actual Fund Performances as on : 31-Aug-14
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F INANCIAL P LANNING P ROCESS
Aim to understand financial position and Objective of the client Initial Meeting Analysis
Analysis of current financial position and explore all possible strategies
Preparation
Preparation of comprehensive Statement of Advice including the most appropriate strategy and investment recommendations
Presentation Presentation of personalized Statement of Advice. Queries may be discussed with the Financial Planner
Implementation
Execution Services of your investments in accordance with your instructions
Ongoing review
Meetings Regular reviews of investment portfolio and financial position
Kotak Bank provides these services as a value-add service and does not charge any fees with regard to the same. However, Kotak Bank may earn distribution / commission / referral fees in respect of the products / services distributed /referred.
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F INANCIAL G OALS
Which financial goals are you planning for?
Leading a comfortable Retired Life
Children’s Education
Buying a Dream House
Children’s Marriage
Vacation Planning
Buying a Luxury Car
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EX P EC TATIONS FROM A F INANCIAL P LAN
Estate Planning services / Insurance services are provided by subsidiaries of Kotak Bank or through a third party.
Major purchases
Retirement
Estate planning
Networth Education funding
Insurances
Cash Flow
Asset allocation
FINANCIAL PLAN
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IN V ESTIN G IN STOCK MA RKETS FOR TH E LON G TERM, PAYS
Date BSE Sensex 1-Year Roll Ret. Ann. 3-Year Roll Ret. Ann. 5-Year Roll Ret. Ann. 10-Year Roll Ret. Ann. 15-Year Roll Ret. Ann.
31/12/1995 3,110.49 -20.79% 5.95% 24.28% 19.41% 22.48%
31/12/1996 3,085.20 -0.81% -2.67% 10.07% 19.37% 18.96%
31/12/1997 3,658.98 18.60% -2.33% 6.94% 23.51% 20.04%
31/12/1998 3,055.41 -16.50% -0.59% -1.80% 16.44% 18.06%
31/12/1999 5,005.82 63.83% 17.51% 4.97% 20.44% 21.42%
31/12/2000 3,972.12 -20.65% 2.77% 5.01% 14.24% 14.40%
31/12/2001 3,262.33 -17.87% 2.21% 1.12% 5.50% 12.95%
31/12/2002 3,377.28 3.52% -12.28% -1.59% 2.59% 14.50%
31/12/2003 5,838.96 72.89% 13.70% 13.82% 5.72% 15.56%
31/12/2004 6,602.69 13.08% 26.47% 5.69% 5.33% 15.30%
31/12/2005 9,397.93 42.33% 40.61% 18.78% 11.68% 15.73%
31/12/2006 13,786.91 46.70% 33.13% 33.39% 16.14% 14.08%
31/12/2007 20,286.99 47.15% 45.38% 43.10% 18.67% 14.63%
31/12/2008 9,647.31 -52.45% 0.88% 10.55% 12.17% 7.31%
31/12/2009 17,464.81 81.03% 8.19% 21.46% 13.30% 10.45%
31/12/2010 20,509.09 17.43% 0.36% 16.88% 17.83% 13.39%
31/12/2011 15,454.92 -24.64% 17.01% 2.31% 16.82% 11.33%
31/12/2012 19,426.71 25.70% 3.61% -0.86% 19.10% 11.76%
31/12/2013 21,170.68 8.98% 1.06% 17.01% 13.73% 13.76%
Min Returns -52.45% -12.28% -1.80% 2.59% 7.31%
Max Returns 81.03% 45.38% 43.10% 23.51% 22.48%
Average Returns 15.13% 10.58% 12.17% 14.32% 15.06%
Standard Deviation 36.65% 15.74% 12.21% 5.89% 3.82%
Source: Bloomberg
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S IP – TH E CONCEP T
Systematic Investment Plan (SIP) is a simple and time honored investment strategy for accumulation of wealth in a disciplined manner over long-term period. Simply, SIP is a vehicle or approach to invest a fixed amount in any fund/scheme at regular intervals. Such approach helps in investing across market phases (bull or bear), and thus the cost of investments get averaged over a period of time
Systematic Investing means -
Investing a fixed amount
Investing for a continuous period
Investing at regular intervals
Rupee cost averaging
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TECH NOLOGY & CONV ENIENCE
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FOR TH E P RIV ILEG ED FEW
Offering Insignia Plan’s discounted rates Standard charges
Mutual Fund purchase through Kotak Investment a/c 0.50% 1.40%
Mutual Fund purchase through AMC forms 1.0% 1.75%
Kotak Demat Account Lifetime waiver on a/c maintenance
charges Annual charges
Investment Account maintenance charges Nil INR 100 per quarter if there has
been no transaction in the quarter^
Locker Charges Upto 75% discount Standard charges
We believe in offering preferential pricing across products for our privileged customers
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FOR TH E P RIV ILEG ED FEW
Offering Insignia Plan’s discounted rates Standard charges
Dedicated Service Relationship Associate Yes No
Discount on issuance of Kotak World Travel Card Free No Discount
Discount on issuance of Best Compliments Card Free No Discount
Brokerage charges (offered by Kotak Securities) 0.025% (intraday) and 0.25%
(delivery) Card Rates
Preferential tariff on Forex Yes Card Rate
Preferential rates for Car Loan (offered by Kotak Mahindra Prime)
Yes Card Rate
Preferential rates for Housing Loan Yes Card Rate
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ASSISTING YOU IN YOUR L IFESTYLE PREFERENCES
Your Privy League privileges extend to your immediate family too, so they can enjoy the same benefits that you do. Family members that can be grouped together are: Spouse, Parents, Mother / Father-in-Law, Children and Son/Daughter-in-Law, Grandchildren and Grand Parents.
Get complimentary invites to the most happening events in your city - movies, plays, premieres, musical evenings, golf events, wine tasting sessions and much more, all based on your preferences
Rediscover the joy of leisure weekend reading with a complimentary subscription to Privy League Select your very own lifestyle magazine
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T H A N K Y O U